Fate, Destiny, and Karma

Fate, Destiny, and Karma are not gods or concepts ruled by gods in Krea. Nor do people treat them as superstitions. Instead, many Humans consider the three to be either abilities or world laws created by Penta and Shen. Members of the Children of the Heavens however usually do not believe in them, or if they do, they think they are world laws created by the universe itself, not by Penta and Shen.
Fate and Destiny are generally referred to as Penta's (thing) or Shen's (thing), depending on the cause or effect, or even the person. Fate has a negitive connotation where Destiny has a positive one, but otherwise the two words are seen as having the same general meaning. They are never proper nouns on their own in Krea.
Karma on the other hand does not exist as a word in and of itself, and the concept of karma is intertwined into fate and destiny. Whether it's good or bad karma exists solely in the eye of the beholder, but otherwise they will use Fate or Destiny instead of Karma. Instead of karma, there exists the tradition of Fortune of Fallen, the belief that there are good and bad things that happen in the world and every time one is done, the other happens to balence it out. While this is not a religeous belief, it's more of a tradition people uphold to justify their actions.